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Why do house cleaners need insurance?
Housekeeping insurance can help cover costs if a client slips on a wet floor and suffers an injury, or an employee steals property from a client's home. Some clients may require proof of insurance before they'll hire you.
Find the right coverage
Our licensed insurance agents will help you find policies that best match your unique business needs. Get free expert advice and peace of mind knowing you have the right business insurance coverage.
Fill out Insureon's easy online application to get started.
What types of insurance do house cleaners and maids need?
These policies provide coverage for common risks faced by house cleaners.
General liability insurance
This policy protects house cleaning businesses against legal fees from common risks, such as client injuries and damage to client property. Add lost key coverage for more complete protection.
BEST FOR
- Slip-and-fall injuries
- Accidental property damage
- Libel and slander lawsuits
Workers’ compensation insurance
Most states require workers' comp for house cleaning businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance is usually required for business vehicles. It covers third-party medical bills and property damage in an accident, along with vehicle damage.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Theft and repairs due to vandalism or weather
Business owner's policy
A business owner's policy (BOP) is an affordable way for house cleaning companies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Third-party bodily injury
- Damaged client property
- Advertising injuries
Commercial umbrella insurance
Commercial umbrella insurance boosts the policy limits of a house cleaning service's general liability, commercial auto, and employer's liability insurance.
BEST FOR
- Customer lawsuits over accidents
- Auto accidents
- Employee injury lawsuits
Janitorial bonds
Janitorial bonds are a type of surety bond that protect your house cleaning clients if one of your employees steals their cash or belongings.
BEST FOR
- Theft of property
- Stolen money
- Securing contracts
Looking for different coverage? See more policies.
How much does house cleaning insurance cost?
A small business with a few maids will pay less for insurance than a large house cleaning company.
Factors that affect house cleaning business insurance costs include:
- Business type, such as maid services or apartment cleaning
- Value of business personal property, such as cleaning equipment
- Business size and revenue
- Types of business insurance purchased
- Coverage limits and deductibles
State insurance requirements
See cleaning business insurance requirements in your state
Select your state to learn about insurance requirements for your small business.
How do I get house cleaning insurance?
It’s easy to get insurance coverage as a house cleaner or owner of a cleaning business if you have your business information on hand. Our insurance application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare quotes and choose insurance policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your house cleaning business, whether you work independently or hire employees.
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Common questions about insurance for house cleaning businesses
Review answers to frequently asked questions about house cleaner's business insurance policies.
Do I need a license for my house cleaning business?
Most states require house cleaning businesses to file for a general business license and register your business. A general license allows you to collect and report sales tax on cleaning supplies you purchase and charge your clients for.
Additionally, if you call your business by any name other than your own, you'll need a doing business as (DBA) license to operate legally.
Area laws may required you to have a specific license, bond, or permit. If you regularly handle cleaning product disposal or harsh cleaning agents, you'll likely have to obtain a special permit that's regulated by the Environmental Protection Agency (EPA).
It's important to check with your municipality and city for any additional licensing, bonding, and insurance requirements specific to your business.
Learn more about how to get your cleaning business bonded and insured.
What other types of coverage do house cleaning businesses need?
To fully protect your cleaning business from all risks and liabilities, you may need additional types of coverage. Some types of insurance house cleaning business owners of house cleaning businesses often get are:
- Hired and non-owned auto (HNOA) insurance is a must if you or your employees use personal, leased, or rented vehicles for work. Your personal auto insurance is unlikely to cover you for a work-related accident, such as visiting a client’s home or taking supplies to a job site.
- Inland marine insurance provides coverage for business property, such as cleaning products and equipment, while it’s in transit or stored at a location outside of your main business office. A type of inland marine is contractor's tools and equipment coverage. This is perfect for any equipment valued less than $10,000 and less than five years old, like carpet cleaners.
- Commercial property safeguards your business against financial losses from fires, storms, and burglaries. It's important to have commercial property coverage since homeowner's insurance provides little to no protection for business property.
How do I find affordable insurance for house cleaners and maid services?
It's easy to find affordable house cleaner's insurance that matches your unique risks and budget. One way is to review coverage options from different insurance carriers, and with Insureon's easy online application you're able to get free quotes from several insurance companies.
There are a few other ways small business owners can save, such as:
- Bundling policies. The most popular option is a business owner's policy (BOP), which pairs your general liability policy with property insurance to save money.
- Customizing policies. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
- Focusing on safety. Fewer accidents mean fewer liability claims, which helps lower your insurance costs.
Learn more about how to find cheap business insurance for small businesses.